Well the same thing happen to me but i received lower rates on all my cards from a debt specialist name Max. He took his time and called all my banks and i listened to him the whole time. i could not have done it without him. they use a very smooth system that takes a hardship program they use.

card services is a debt company that calls credit card holders and offers to lower interest rates, They are perating under various names and have offices all over. The fact is you can get your creditor to lower your rates/or youn transfer your balances for lower rates to other creditors if you have made payments on time and you owe enough, that a financial institution thinks it makes sense to have you as a customer. You can do this yourself by just calling around(shopping). You do not need to have these people do it for you, they will charge you alot of money and increase the balance you owe accordingly. They make you think you are saving and you will, if the rate is lowered, but you can do it yourself anyway, so save yourself the money and do it yourself. Start calling credit card companies and banks asking to offer lower rates, if you qualify, they will do it. Period.

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